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Your Home, Your Insurance

            No home is ever identical to another, which is why it is important to consider the contents of your home and all your personal belongings carefully before opening a new home insurance policy. We all have our different passions, priorities and idiosyncrasies, and it is important to make sure that the things that are of most value to you, either sentimentally or financially, are sufficiently protected by your home insurance cover plan.

            If you are a fan of arts and crafts, it could be that you have accrued a valuable collection of items over the years. Whether it comes in the form of ornamental glassware, classic porcelain or an eclectic assortment of antique objects and art, it is important that you keep a record of each piece as you add it to your collection so that you can give your insurance company an accurate value estimate should anything be stolen or damaged.

            If you are a musical person you may have several expensive musical instruments beneath your roof. Pianos, clarinets, guitars, flutes, violins, bassoons all need to be named specifically on your insurance policy. It is not sufficient to expect them to come under the general contents insurance. You have two options here: you can either name them on your existing insurance policy, or look out for specialist insurance companies and take out a policy specifically for your musical valuables.

            These are but two examples where your home insurance must reflect your individual interests. Other items to consider are electronic equipment, tools and hardware, home gym machines and large paintings, sculptures or other valuable works of art.

            It pays to shop around from place to place. Whilst internet comparison websites may give you an initial indication as to where the best deals are to be found, they will not, unfortunately, take your personal circumstances into account. If you want to make accurate price comparisons between insurance companies, it is worth using the internet and a price-comparison website. You should also check out the websites of dedicated providers such as Co-operative Insurance, who let you take out a quote for house insurance online.







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